Aura is a technology-powered, Community Development Financial Institution (CDFI) that provides small, affordable loans to working families in America.

Aura leverages its technology to provide affordable, credit-building loans to working families in America.

Aura was founded in 2012 by James Gutierrez, Kevin Kang, and Randy Wong. The company is headquartered in San Francisco, California, with offices in Encino, California and Juárez, Federal District, Mexico.

Aura’s mission is to build financially healthy low-income communities by providing empowering financial services to America’s 66-million underbanked and unbanked.

Aura has pioneered a cloud-based lending technology that enables trusted local businesses to submit credit applications for centralized review and approval by its proprietary scoring algorithms.


Aura has provided hundreds of thousands of affordable loans since launching in 2014. Over two-thirds of Aura’s customers grow their credit score by an average of 312 points from their first to second loan.


Aura is backed by Varadero Capital, Bridge Bank, FirstMark Capital, Kinnevik, Jefferies, Revolution Ventures and others. The company raised $10M in a Debt financing on Mar 05, 2020. This brings Aura's total funding to $584.7M to date.



  • Year founded: 2012
  • Funding Info: $584.7M over 11 Rounds (Latest Funding Type: Debt Financing)
  • Yearly Revenue: NA
  • Employee Size: 501-1000
  • Business Valuation: NA
  • City/Town: San Francisco
  • State: California
  • Country: United States
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